{"id":33066,"date":"2025-09-09T22:00:39","date_gmt":"2025-09-09T21:00:39","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=33066"},"modified":"2025-09-09T22:00:39","modified_gmt":"2025-09-09T21:00:39","slug":"barclays-iki-tasarruf-hesabinda-faiz-oranlarini-dusuruyor","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/barclays-iki-tasarruf-hesabinda-faiz-oranlarini-dusuruyor\/","title":{"rendered":"Barclays iki tasarruf hesab\u0131nda faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcyor"},"content":{"rendered":"<p>Barclays Bank, iki pop\u00fcler tasarruf hesab\u0131nda faiz oranlar\u0131n\u0131 bu hafta itibar\u0131yla d\u00fc\u015f\u00fcr\u00fcyor. Bankan\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re, <strong>Reward Saver<\/strong> hesab\u0131n\u0131n faizi %2,25\u2019ten %2,1 AER seviyesine, <strong>Blue Rewards Saver<\/strong> hesab\u0131n\u0131n faizi ise %2,91\u2019den %2,75 AER seviyesine indirilecek. Blue Rewards Saver ayr\u0131ca ayl\u0131k 5 sterlin \u00fccretle sunuluyor.<\/p>\n<p>E\u011fer hesap sahipleri ay i\u00e7inde para \u00e7ekimi yaparsa, faiz oran\u0131 her iki hesap i\u00e7in de %0,6 AER seviyesine d\u00fc\u015f\u00fcyor.<\/p>\n<h4>Faiz indirimleri tasarruf sahiplerini olumsuz etkiliyor<\/h4>\n<p>Son haftalarda bir\u00e7ok banka benzer ad\u0131mlar atarak faiz oranlar\u0131n\u0131 a\u015fa\u011f\u0131 \u00e7ekti. Bunun nedeni, \u0130ngiltere Merkez Bankas\u0131\u2019n\u0131n politika faizini %4,25\u2019ten %4\u2019e indirmesi. Bu geli\u015fme bor\u00e7lular i\u00e7in olumlu g\u00f6r\u00fclse de, birikim sahiplerinin elde etti\u011fi kazan\u00e7lar\u0131 azalt\u0131yor.<\/p><div id=\"briti-3715779325\" class=\"briti-icerik\" style=\"margin-top: 5px;margin-bottom: 5px;\"><a href=\"https:\/\/piaryum.com\/services\/\" aria-label=\"piaryum banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/Gemini_Generated_Image_g5yqr1g5yqr1g5yq.jpg\" alt=\"\"  width=\"2064\" height=\"1152\"   \/><\/a><\/div>\n<p>Tasarruf uzman\u0131 Anna Bowes, <em>The Private Office<\/em> i\u00e7in yapt\u0131\u011f\u0131 de\u011ferlendirmede, Barclays\u2019in sundu\u011fu faiz oranlar\u0131n\u0131n zaten &#8220;rekabet\u00e7i olmaktan uzak&#8221; oldu\u011funu, yap\u0131lan indirimin bu durumu daha da k\u00f6t\u00fcle\u015ftirdi\u011fini s\u00f6yledi. Bowes, \u201cDaha y\u00fcksek getiri sa\u011flayan hesaplara ge\u00e7mek i\u00e7in faiz d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc beklemeye gerek yok. \u00dcstelik bu hesaplarda para \u00e7ekimine s\u0131n\u0131rlama da getirilmiyor\u201d ifadelerini kulland\u0131.<\/p>\n<p>Daha y\u00fcksek getiri sa\u011flayan alternatifler<\/p>\n<h4>Mevcut ko\u015fullarda piyasada daha avantajl\u0131 hesaplar bulunuyor:<\/h4>\n<ul>\n<li><strong>Chase Bank<\/strong> yeni m\u00fc\u015fterilere y\u00f6nelik olarak %4,75 AER oran\u0131yla en y\u00fcksek faizli kolay eri\u015fim hesab\u0131n\u0131 sunuyor. Bu oran, Barclays\u2019in hem eski hem de yeni faiz oranlar\u0131n\u0131n olduk\u00e7a \u00fczerinde.<\/li>\n<li><strong>Cahoot Simple Saver<\/strong> hesab\u0131 %4,4 AER kazand\u0131r\u0131yor. Ancak 12 ay sonunda birikimler otomatik olarak %1 AER faiz veren farkl\u0131 bir hesaba aktar\u0131l\u0131yor.<\/li>\n<li><strong>Santander Edge Saver<\/strong> ise %6 AER oran\u0131 sunuyor. Ancak bu oran yaln\u0131zca 4.000 sterlinlik bakiyeye kadar ge\u00e7erli ve i\u00e7inde 12 ay s\u00fcreyle %2\u2019lik de\u011fi\u015fken oranl\u0131 bir bonus bulunuyor. Ayr\u0131ca hesap i\u00e7in Edge Current Account sahibi olmak gerekiyor ve bu da ayl\u0131k 3 sterlin \u00fccretle geliyor.<\/li>\n<\/ul>\n<h4>Tasarruf sahiplerine uyar\u0131<\/h4>\n<p>Uzmanlar, birikim sahiplerinin faiz indirimleri nedeniyle kazan\u00e7lar\u0131n\u0131n d\u00fc\u015fmemesi i\u00e7in piyasadaki alternatifleri de\u011ferlendirmesini \u00f6neriyor. \u00d6zellikle y\u00fcksek enflasyon ve artan ya\u015fam maliyeti kar\u015f\u0131s\u0131nda, daha y\u00fcksek getiri sa\u011flayan hesaplar\u0131n tercih edilmesi gerekti\u011fi vurgulan\u0131yor.<\/p>\n<div id=\"briti-4044233411\" class=\"briti-icerikten-sonra_2\" style=\"margin-top: 25px;margin-bottom: 25px;\"><a href=\"https:\/\/wa.me\/message\/NDZLLIOQT4H3O1\" aria-label=\"bytv reklam banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/bytv-reklam-banner.jpg\" alt=\"\"  width=\"2376\" height=\"1008\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Barclays Bank, iki pop\u00fcler tasarruf hesab\u0131nda faiz oranlar\u0131n\u0131 bu hafta itibar\u0131yla d\u00fc\u015f\u00fcr\u00fcyor. Bankan\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re, Reward Saver hesab\u0131n\u0131n faizi %2,25\u2019ten %2,1 AER seviyesine, Blue Rewards Saver hesab\u0131n\u0131n faizi ise %2,91\u2019den %2,75 AER seviyesine indirilecek. Blue Rewards Saver ayr\u0131ca ayl\u0131k 5 sterlin \u00fccretle sunuluyor. E\u011fer hesap sahipleri ay i\u00e7inde para \u00e7ekimi yaparsa, faiz oran\u0131 her iki hesap i\u00e7in de %0,6 AER seviyesine d\u00fc\u015f\u00fcyor. Faiz indirimleri tasarruf sahiplerini olumsuz etkiliyor Son haftalarda bir\u00e7ok banka benzer ad\u0131mlar atarak faiz oranlar\u0131n\u0131 a\u015fa\u011f\u0131 \u00e7ekti. Bunun nedeni, \u0130ngiltere Merkez Bankas\u0131\u2019n\u0131n politika faizini %4,25\u2019ten %4\u2019e indirmesi. Bu geli\u015fme bor\u00e7lular i\u00e7in olumlu g\u00f6r\u00fclse de, birikim sahiplerinin elde etti\u011fi [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":12069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-33066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-birlesik-krallik"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=33066"}],"version-history":[{"count":2,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33066\/revisions"}],"predecessor-version":[{"id":33068,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33066\/revisions\/33068"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/12069"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=33066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=33066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=33066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}